A Private Dinner at Fleming's Prime Steakhouse in Chandler, AZ
Strategic Tax Planning for Retirement Income
An Intimate Dinner on Roth Conversions, IRMAA, and
Tax-Smart Retirement Income
Prix Fixe
Event Details
Fleming’s Prime Steakhouse
905 N 54th St, Chandler, AZ 85226
Event Options:
– Tuesday, March 10 at 6:30 p.m. – Wednesday, March 11 at 6:30 p.m.
Seating is limited to a small group each evening. A complimentary dinner will be served.
If you’ve saved $500k or more for retirement, the tax strategy for distributing your wealth is just as important as the strategy that helped you build it — and the years right before and after retirement are often where the most consequential decisions are made.
Join us for a complimentary dinner and focused presentation at Fleming’s Prime Steakhouse where we’ll cover some of the specific strategies that matter most at this stage:
- The retirement tax window between retirement and age 73 — why it may be the most valuable planning opportunity you have, and what could happen if you let it pass.
- Roth conversions — how they work, how much to convert, and why converting the wrong amount in the wrong year can trigger unintended tax consequences
- IRMAA and Medicare surcharges — the income thresholds that cause your Medicare premiums to spike, and how to plan around them before they hit.
- How Social Security timing can affect the taxes on your other retirement income — and why when you claim is a tax decision, not just an income decision.
- Why planning these strategies together as a coordinated system can produce dramatically different outcomes than handling them separately.
- What to ask your current advisor — the specific questions that can help reveal whether your retirement plan accounts for all of this.
Privacy Policy: By providing your email, phone number, and selecting "Yes" for text message reminders, you are consenting to receive communication from Your Retirement Reality. All information provided is secure and confidential. Please provide valid email and phone number for seminar confirmation purposes. Seating is limited. There is no charge to attend!
The window for some of the most impactful retirement tax strategies doesn’t stay open forever.
If you’re between 55 and 72 with $500k+ saved, this conversation is for you
Why attend?
Why This Evening Is Worth Your Time
Focused, Advisor-Led Discussion
A clear, engaging presentation from a knowledgeable financial professional on the retirement tax strategies that can provide potential for the greatest impact — Roth conversions, IRMAA planning, Social Security optimization, and how they work together. No jargon. No generic advice.
A Personalized Next Step
Every attendee will have the opportunity to receive a no cost retirement tax analysis — a snapshot of how these strategies may apply to your specific situation, including Roth conversion modeling, IRMAA threshold planning, and Social Security timing.
A Single Roth Conversion Mistake Can Cost Tens of Thousands or More in Unnecessary Taxes*
Most retirees don’t realize that Roth conversions, Social Security, and Medicare premiums are deeply connected — and that a decision in one area can trigger costly consequences in the others.
Convert too much to a Roth in one year, and the income spike can push up to 85% of your Social Security benefits to be taxable, trigger IRMAA surcharges on your Medicare premiums, and bump you into a higher tax bracket — all at once.
But a well-timed, well-coordinated conversion strategy can potentially reduce your total lifetime tax burden while creating tax-free income for your later years, your spouse, or your heirs.
Join us for a straightforward conversation about how to get this right — and what it looks like when all the pieces are working together rather than against each other.
Meet Your Host
Chris Bowman, Prospect Wealth Partners
Chris Bowman is a founding member of Prospect Wealth Advisors. Driven by over 30 years of financial services experience, which included a considerable amount of time working in the investment banking industry. Mr. Bowman has embraced the notion that there is no “one size fits all” investment plan.
The importance of building a true independent firm was paramount. Delivering unbiased, transparent and custom strategies that are aligned with our clients’ goals and aspirations is important. This holistic team approach allows us to have a deeper relationship with our clients. We look to clearly understand how to help optimize returns for their situation, mitigate risk, reduce taxes, develop a sound legacy plan and work to create reliable income.
Chris affirms that you cannot excel and thrive as a Financial Advisor if you don’t have a passion for helping people. “I cherish the enduring relationships I have built over a long career”. Those relationships go beyond managing assets. It is a dedicated confidante, support and guidance after the loss of a loved one and so much more. “I feel blessed to have some incredible clients that are also incredible friends.
Chris is now married to his beautiful wife Barbara, with whom he has two children. The Bowman family enjoys art, music, drama and architecture. They also love traveling to new destinations, a longtime passion of Chris’. He was lucky enough to travel the world at a young age, and he still enjoys the opportunity to embrace new countries and cultures. He’s also active in his community, working with organizations like Folds of Honor and PAVE to support groups and causes he believes in. Additionally, Chris enjoys spreading financial awareness, especially on his radio show Nuggets of Knowledge, which he hosts with our co-founder Jon Floyd. You can listen to the show every Sunday from 1 p.m. to 2 p.m. on KTAR 92.3 FM.
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*https://www.fidelity.com/learning-center/wealth-management-insights/tax-deductions-and-Roth-conversions
Investment advisory services offered by CreativeOne Wealth, LLC a Registered Investment Adviser. CreativeOne Wealth, LLC, Prospect Wealth Advisors, and Your Retirement Reality are unaffiliated entities. Licensed Insurance Professional.
Investing involves risk, including possible loss of principal. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. We are not affiliated with any government agency.
The information contained herein is based on our understanding of current tax law. The tax and legislative information may be subject to change and different interpretations. This presentation is for informational purposes only and is not intended to be financial, legal or tax advice. We recommend that you seek professional legal advice for applicability to your personal situation.
By providing your information and/or attending this event, you give consent to be contacted about a discussion of life insurance and annuities or a possible advisory relationship. Attend and learn how insurance or investment products can be used in various stages of retirement planning.
The presenter can provide information, but not specific advice related to social security benefits. Clients should seek guidance from the Social Security Administration regarding their particular situation. The presenter may be able to identify potential retirement income gaps and may introduce insurance products, such as an annuity, as a potential solution. Social Security benefit payout rates can and will change at the sole discretion of the Social Security Administration. For more information, please consult a local Social Security Administration office, or visit www.ssa.gov.
Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products